Vital Term rate surveys are based on: the sex; the age; the tobacco status; the amount of insurance required, and the years level term requested for each client. The companies and products shown are among the most competitive available, and are aggressively underwritten (more "Preferred" for your clients).  Proper use of Vital Term is a quick way to narrow down a number of carriers and products to the right one for a certain situation.  Vital Term rate classes have been assigned to show the best possible and/or most likely rates based on the specifications entered - this is not an exact science. Once rates look like they may work, we highly recommend the producer get an actual carrier illustration. "Off by a class" or "slightly lower or higher rates in reality" issues will always be there - unless the producer takes the time to get an NAIC approved or carrier approved product illustration before making a presentation to his/her client. Producers should never sell from a Vital Term Survey Spread Sheet.  Also, remember the footnote on the bottom of every Vital Term Survey Spread Sheet includes the following: This term information and premium comparison is for reference only and is intended to supplement the standard insurance illustration provided by each insurance company, if applicable. All values are believed to be accurate, however accuracy cannot be assured. Refer to each carrier's complete illustration or rate card for exact quotations. For agent use only. So, to repeat -- this is a rate survey program - not an illustration.

Vital UL is a universal life rate spreadsheet program you can use to quickly identify the most competitive products (from the carriers participating in the program) for your clients looking at permanent coverage. Vital UL is to be used for rate comparison purposes only – a complete illustration must be run using the specific carriers’ software program or winflex web, and is always required with any UL application submission.

VitalLTC is a quote engine and feature comparison system - your vital link to fast, accurate, and flexible comparisons of LTCi products from multiple carriers. VitalLTC allows you to filter policies according to the features you are looking for.

Vital Signs reports the ratings and financial data of the life insurance carriers in sales presentations, graphs and charts. It's easy-to-read, reliable data including annual financial statements and ratings from the following services: A.M. Best; Moody's; Duff and Phelps; Standard and Poor's, and Weiss.

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